Mortgage originator Jobs in Cary, NC

divh2Mortgage Loan Originator/h2pThe Mortgage Loan Originator is responsible for soliciting, structuring and closing 1-4 family real estate loans as well as developing new mortgage loan business. The MLO develops a plan for collaborating with assigned bank branches to cause quality mortgage loan referrals. Additionally, the MLO develops an external network of Realtor, builder, and other referral partners. The MLO takes loan applications, collects relevant loan documentation and ensures that borrowers receive a quality origination experience. The MLO represents the bank in the local community through active involvement in key trade and other groups such as Realtor associations./ppEssential Job Functions/pulliSource and develop loans for residential real estate and new construction lending, both internally and externally/liliCollaborate with bank Branch Managers to establish a referral plan and system/liliConduct regular training, share best practices and successes/liliConducts loan interview with borrowers to understand their needs and match suitable loan solutions/liliTake applications, collect documentation and run ratio and other calculations/liliComplete necessary credit investigations on each loan application as appropriate for keeping credit files current for the duration of the loan including responsibility for collecting payments in a timely manner/liliSubmit complete loan files to underwriting/liliMaximize bank profitability through appropriate pricing of new loan originations and fee income./liliWork with loan team to ensure that all pertinent account documentation is complete and accurate and that all collateral has been properly secured/liliSupport the banks strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge/liliBuild and maintain positive relations with all customers, potential customers and co-workers/liliPerform as a team member in allocating and coordinating the work flow/liliContribute to the fulfillment of department and company objectives and goals to include looking for other banking relationship opportunities with borrowers/liliComply with all department and company policies, procedures and regulations/li/ulpJob Requirements/pulliHigh school diploma or equivalence required/liliMust have prior mortgage origination experience/liliMust be goal oriented and able to meet loan production objectives/liliAble to maintain NMLS registration and/or licensing status/li/ulpKnowledge/Skills Required/pulliKnowledge of mortgage loan origination, underwriting, processing, documentation, and post closing review/liliKnowledge of both portfolio and secondary market loan origination programs and guidelines to include conventional, FHA, VA, USDA, and Jumbo loan programs/liliKnowledge of the appraisal process, title insurance process, and loan closing process./liliProven credit analysis skills/liliKnowledge of state and federal lending and compliance regulations and bank lending policies/liliExcellent organization and time management skills/liliExperience with originating loans using Loan Origination Systems/liliIntermediate math skills, ability to calculate interest, commissions, proportions, debt-to-income ratios, loan to values/liliExcellent customer service skills, attentiveness, and information retention/liliMust be a proficient communicator and listener, as well as strong organizational skills/liliMust possess excellent relationship-building and sales skills/li/ulpPhysical and Mental Qualifications/pulliStanding, walking, bending and stooping required/liliMust be able to sit at a desk for long periods of time and use a computer/liliMust be able to occasionally move or lift up to 10 pounds/liliMay be asked to work supplemental hours periodically/liliLimited travel required occasionally during and after business hours/li/ulpThe above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified./ppNot a contract/p/div